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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Amazing

Helped me out when I needed it the most and are very helpful Reviewed on: 21st February 2023

Excellent

Good company interest rate is good great credit builder very happy Reviewed on: 21st February 2023

Fantastic for building credit

This card has helped me to budget and gain a better overall credit score Reviewed on: 21st February 2023

Would recommend excellent service

I have had no dramas with Zopa, website and app have been a breeze. Very easy to use and any problems has been resolved quickly. Reviewed on: 21st February 2023

Overall good company and good experiences so far

Decent company and products. Never had any issues so far Reviewed on: 21st February 2023

Helpful

I find zopa to be more than just a credit card with lots of tips and and advice. If I have to phone them, they are always helpful and polite. An all round excellent service. Reviewed on: 21st February 2023

Fantastico for Ian fearn

No hassle no problems no stress Very simple Reviewed on: 21st February 2023

Excellent product and service

I’ve used my card so many times and it’s given me the room to keep living. These are strange times and everyone is feeling the pinch admittedly some feel it more than others but that’s life. It doesn’t take two days to clear funds when you make payments like other card providers, and this is a blessing for sure. Credit limits are fine and you can’t get into trouble, unless you want to! Would highly recommend and have done so to the few people I know Reviewed on: 21st February 2023

Very good!!!

Very good service and credit card!!!!! I am very happy…. Reviewed on: 21st February 2023

Brilliant

Great service, any issues or advice is always available on the phone which is brilliant . Reviewed on: 21st February 2023

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